Havent spoken to any bank yet, so this is just speculations.

I have recently been thinking about land speculation investment.

That would be speculating.  

I'm speculating, but I'd imagine that they are going to want you to have a co-signer on the loan because you don't have 2 years of employment under your belt.

OK I may not be 100% correct all the time but I am not speculating.

At this point whether or not you get laid off is pure speculation. 

An offer on a property based on speculative numbers site-unseen and from a distance, and refined during due diligence.  

If you can't answer those questions, you are speculating.2. 

A quick look at the MN info and speculation from my side, makes it look like a closing agent is a specific expansion of a notary service for real estate closings, so that isn't likely to help you in wholesaling.

problem arise when they don't watch the variance of pricing per quarter or at least every 6 months because many times it fluctuates. what's steaming hot now might be warm within 6 months. you can't go by the national housing market reports and think that it speaks for every city and every subsection around the country. buy and hold investors know this but speculators aren't always aware of it, which results in ugly properties staying ugly, getting uglier.